/* Loading */
.loading-screen { display: none; text-align: center; padding: 80px 0; animation: fadeUp 0.4s ease both; }
.loading-screen.visible { display: block; }
.loading-spinner { width: 48px; height: 48px; border: 3px solid var(--border); border-top-color: var(--gold); border-radius: 50%; animation: spin 0.8s linear infinite; margin: 0 auto 24px; }
.loading-title { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 300; color: var(--navy); margin-bottom: 8px; }
.loading-sub { font-size: 13px; color: var(--muted); }
.loading-steps { margin-top: 32px; display: flex; flex-direction: column; gap: 8px; text-align: left; max-width: 320px; margin-left: auto; margin-right: auto; }
.loading-step { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 10px; opacity: 0.4; transition: opacity 0.4s; }
.loading-step.active { opacity: 1; color: var(--navy); }
.loading-step.done { opacity: 0.7; color: var(--risk-low); }
.step-dot { width: 8px; height: 8px; border-radius: 50%; background: currentColor; flex-shrink: 0; }